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Missouri Workers Comp Rates

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Missouri Workers Comp Rates

Missouri workers' compensation rates continue to increase in 2018.

Missouri workers comp rates are about 7% higher than the national median for workers comp rates. The state currently ranks 21st from the most expensive states. A similar study conducted in 2016 listed Missouri as 36th, but rates have continued to increase at a faster pace than many other states.

Some of the driving forces affecting an overall increase in workers compensation rates include the number of claims in the state, claim severity, the cost of medical care, and the overall loss ration of the insurance industry with regard to workers compensation insurance.

Missouri is still an excellent state for purchasing workers compensation because their are a lot of insurance companies competing for market share. Carriers can issue policy credits up to 25% in the state creating a wide variance for the cost of a policy.

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MO Rates for Select Work Comp Class Codes Workers Compensation Icon.

The workers' compensation rates listed below for Missouri represent the current insurance rates we've found available effective 1/1/17 . There is no guarantee that any business or employer will qualify for the lowest workers' compensation rates.

Class Code

Low Rate High Rate

0042 Landscaping

$7.24 $13.18

3632 Machine Shop

$2.96 $5.75

3724 Garage Door Installation

$4.22 $8.58

3821 Salvage Yard

$5.45 $10.09

5022 Masonry

$6.09 $13.15

5102 Door and Window Installation

$5.55 $11.68

5183 Plumbing

$3.30 $7.22

5190 Electrical

$2.95 $5.45

5221 Concrete Construction

$4.66 $9.58

5348 Ceramic, Tile, and Stone Work

$5.10 $10.60

5437 Carpentry/Trim

$4.12 $7.90

5474 Painting

$6.85 $13.54

5478 Flooring

$6.31 $12.60

5537 Heating and Cooling Service and Repair

$3.98 $7.96

5645 Carpentry Noc Res Construction

$10.08 $19.64

7228 Short Haul Trucking

$6.51 $12.09

7605 Burglary and Fire Alarm Systems

$2.19 $4.56

8006 Gas Station

$1.65 $3.43

8017 Retail Store

$1.39 $2.72

8742 Outside Sales

$0.32 $0.68

8810 clerical

$0.15 $0.30

8832 Doctors Office

$0.28 $0.58

8835 Home Health Care

$2.23 $4.39

9012 Building Operations by Owner

$1.21 $2.53

9014 Janitorial

$2.31 $4.58

9015 Building Operations by Contractor

$2.79 $5.68

9052 Hotel Employees

$1.87 $3.53

9082 Restaurant

$1.22 $2.45

9083 Restaurant Fast Food

$0.99 $2.02

9516 Electrical Equipment Service & Repair

$4.26 $9.28

Missouri workers comp rates vary by industry classification codes and insurance company underwriting standards. Employers' who have an Experience Modification Factor assigned to their business may have additional credits or debits applied to their insurance rates based on prior premium and workers compensation losses.

Missouri Coverage Verification

The Missouri Department of Labor and Industrial Relations provides a free online coverage verification tool designed to help determine if an business has workers compensation. The system allows consumers to check for an active policy by company name or Federal Employer Identification Number.

Missouri Workers Compensation Online Verification Tool.

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State Resources for Missouri

Missouri Department Of Insurance

301 West High Street Room 530
PO Box 690
Jefferson City, MO 65102-0690
Missouri Dept of Insurance

Missouri Department Of Labor and Industrial Relations

Division of Workers' Compensation
3315 West Truman Blvd, Room 131
PO Box 58
Jefferson City, MO 65102-0058
Jefferson City, MO 65102-0058
MO Division of Workers Compensation

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Missouri is under the Jurisdiction of the National Council for Compensation Insurance (NCCI) and contracts with Travelers as the state fund carrier.

Our agency can help employers find guaranteed state fund coverage in MO. If we can't find coverage with a private insurance provider we can help buy a state fund policy.

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Obtain Better Workers Compensation Insurance Quotes


How to get the lowest rates on workers comp insurance.


We've developed exclusive relationships with our insurance companies to turn-around accurate and bindable workers comp quotes in no time at all.

Workers comp insurance rates   Start your quote online or call us at 888-611-7467

Workers comp insurance rates   We will shop your policy with our MO carriers.

Workers comp insurance rates   You get the very best prices on workers comp.

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No Money Down Workmans Comp Workers Comp Payments
$0 Money Down Better Payment Options

We're a national leader in Pay As You Go Workers Compensation. We've developed low price programs to help reduce or eliminate down payments and allow employers to report and pay premium based on their actual wages.

We've negotiated the best deals with many of our insurance companies in order to offer more flexible payment options like 12 equal installment plans and monthly reporting to help improve cash flow for business owners.

Workers Compensation Class Codes
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Tough Class Codes Faster Insurance Quotes

We offer an affordable quote for some of the toughest NCCI class codes and higher experience modifiers because we've partnered with national carriers who specialize in high hazard industries.

Our carriers and underwriters understand that we need to turn wc quotes quickly so our customers can buy coverage when they need it. We often turn quotes in less than 24 hours.

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Learn more about workers compensation insurance in Missouri Work Comp:   Missouri | MO Programs| MO Rates | MO Forms | MO Info | MO Quotes
Workers Compensation Agents Shop Your Missouri Insurance Rates.

Missouri workers compensation rates are expected to increase an average of 8% in 2016 according to NCCI. The second injury fund has also doubled from 3% to 6% effective January, 2016.

With insurance rates on the rise, it's more important than ever to shop your coverage with an agency who understand the market and has contracts with a broad range of insurance companies. Give one of our Missouri workers compensation Specialists a call today at 888-611-7467 to see if your business qualifies for lower workers compensation insurance rates.

Missouri Agency License: 8021583
National Producer Number: 5064979

Contact a Missouri Workmans Comp Specialist